When it comes to our children’s future, what are we planning for? When I’m asking about planning, I mean, in what are we investing our time and energy? Is it our children’s college education? If it is, we better start saving early on. We will need to make some firm commitments if we want to be prepared to help our children with their future college educations. If you are hoping that maybe the fairy god mother will wave her magic wand and “Presto,” four years of...